← Everyone we fightFight back against debt collectors
Make them prove it.
Collectors have to follow strict rules. We help you ask for proof, spot old debts and stop harassment, without saying anything that hurts you.
Debt collectorWhat we found
You may owe up to$2,312 less
1 · They haven't proven you owe itFDCPA validation2 · It may be past the time limitStatute of limitations3 · Don't pay yetPaying can restart the clock
Write my letter
What we catch
The things that go wrong most
- Unproven debtsYou can ask them to validate it first.
- Debts that are too oldPast the time limit, they usually can't sue.
- Wrong amountsAdded fees and interest that aren't allowed.
- HarassmentCalls at odd hours, threats or calling your work.
- Credit report errorsWrong or outdated debts can be disputed.
- LawsuitsWe flag court papers right away and find you help.
A real example
Apex Recovery, start to finish
A collector says you owe an old card balance. They have to prove it, and it may be too old to sue over.
Fit the whole page in the frame
APEX RECOVERYAmount due$2,312
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Debt collectorWhat we found
You may owe up to$2,312 less
1 · They haven't proven you owe itFDCPA validation2 · It may be past the time limitStatute of limitations3 · Don't pay yetPaying can restart the clock
Write my letter
Your letter
October 9, 2026Apex Recovery LLCRe: Request for debt validation, ref #AR-77310I am responding to your letter dated September 22.Please send proof that I owe this debt and that you have the right to collect it.Until you do, please stop collection activity.Maria Lopez
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I sent it
Debt collectorApex RecoveryOld credit card debt · $2,312 at stake
You · by Oct 3021 days
They must pauseUntil proof
TodayNo proof sent, collection pausedSep 29Validation request deliveredSep 25Collector letter scanned
See next step
Their reply · Apex RecoveryThey wrote back
The short versionThey backed off
They closed the account and won't report it to the credit bureaus.What to do nextKeep this letter. We've saved it to your case.
round two, readyWrite the next letter
Rules on your side
We name the rule, so they take you seriously.
General information. Rules vary by state and plan, and we'll check the details on your letter.
FDCPAFederal rules on how collectors can contact you and what they must prove.
Validation requestAsk within 30 days and they must pause until they prove it.
Statute of limitationsEach state limits how long a debt can be sued on.
Three steps
What you'll do
- 1
Snap the letter
Add any earlier letters or texts from them.
- 2
Know your rights
Whether it's proven, how old it is and what not to say.
- 3
Ask for proof
We write the request and track their response.
Common questions
Should I pay a small amount to make them stop?
Not before you know more. In many states a payment can restart the time limit on an old debt.
What if they're suing me?
Don't ignore it. We'll flag the court date and point you to free legal help right away.
Fighting a debt collector? Start here.
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